The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$39,785
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,023
−HK$1,257/mo
Today · 4.125%
HK$42,280
baseline
▲ 0.50% · 4.625%
HK$44,853
+HK$2,573/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,560/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,261
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,448
−HK$1,204/mo
Today · 4.125%
HK$46,652
baseline
▲ 0.50% · 4.625%
HK$49,111
+HK$2,459/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,304/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,742
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,228
−HK$1,508/mo
Today · 4.125%
HK$50,736
baseline
▲ 0.50% · 4.625%
HK$53,824
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,472/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,113
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,538
−HK$1,445/mo
Today · 4.125%
HK$55,983
baseline
▲ 0.50% · 4.625%
HK$58,934
+HK$2,951/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,966/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,700
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,432
−HK$1,760/mo
Today · 4.125%
HK$59,192
baseline
▲ 0.50% · 4.625%
HK$62,794
+HK$3,602/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,384/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,965
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,627
−HK$1,686/mo
Today · 4.125%
HK$65,313
baseline
▲ 0.50% · 4.625%
HK$68,756
+HK$3,443/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,626/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,614
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,841
−HK$2,264/mo
Today · 4.125%
HK$76,105
baseline
▲ 0.50% · 4.625%
HK$80,735
+HK$4,630/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,210/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,670
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,806
−HK$2,168/mo
Today · 4.125%
HK$83,974
baseline
▲ 0.50% · 4.625%
HK$88,400
+HK$4,426/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,948/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,292 · Scale 2, in force from 26 Feb 2026)